Background*

Mr. Terence Michael Holland, also known as Terry, CA, B.Com. serves as the Chief Executive Officer of Krystal Financial Corp. and has been its President since June 2004. In 1990 after a few years in public practice, followed by several years in real estate development and then in mining finance, Mr. Holland joined Trimin Enterprises Inc as President. He served as a Consultant of Trimin Capital since June 2004. He served as Chief Executive Officer and President at Trimin ... Capital Corp. from 1991 to June 2004. Mr. Holland served as Vice President of Finance with the Equity Group of Companies which financed public companies involved in mining exploration in Canada; and Vice President, Finance of the Granisle Group of Companies which were involved in the acquisition, development, syndication, and management of commercial and multi-unit residential real estate. He served as Chairman of the Board of Burntsand Inc., since August 2009. Mr. Holland has been Chairman of the Board of Bridges Transitions Inc. since February 25, 2003. He has been a Director of Bridges Transitions Inc., since November 5, 1999. He has been a Director of Hardwoods Specialty Products GP Inc. and Hardwoods Specialty Products USGP Inc. since March 2004. He has been a Director of Integrated Paving Concepts Inc. since 1997, Anthem Works Ltd., since October 16, 1997. He serves as a Director of Anthem Properties Ltd. He has been an Independent Director of Amica Mature Lifestyles Inc. since December 1, 2010. Mr. Holland has been a Director of Hardwoods Distribution Inc since January 20, 2004. He has been a Director of Burntsand Inc., since November 12, 1997 and Carmanah Technologies Corp. since December 2, 2013. He served as an Interim Chairman of Ondine Biomedical Inc. from December 8, 2004 to February 2005. He served as Lead Director at Burntsand until August 2009. He served as an Independent Director of Ondine Biomedical Inc. since April 2004. He served as a Director of Trimin Capital Corp. until June 1, 2004. He served as Trustee of Hardwoods Distribution Inc. since January 2004. Mr. Holland served as Chairman of the British Columbia Chapter of the Young President' Organization. He is a past Chair of the Boys and Girls Clubs of Greater Vancouver Foundation and past Board Member of St. George’s School. Mr. Holland has been involved in the Canadian private equity market for over 25 years. He has more than 20 years of experience in the acquisition and financing of businesses in a wide variety of sectors, including natural resources, real estate, manufacturing and technology. He earned his CA designation in 1981 and was awarded FCA designation in 2009. Mr. Holland is a Fellow of the Institute of Chartered Accountants of British Columbia. He is a graduate of Harvard’s President’s Program in Leadership. He holds a Bachelor of Commerce from the University of British Columbia.

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